Helen Pye
Dallas,TX
Summary
Hard worker who maintains a high level of professionalism, seeking employment opportunity to apply my knowledge in risk mitigation, analytical and critical thinking skills. Strong communicator with excellent written and verbal execution. Professional Highlights Applied knowledge of underwriting fundamentals and standard industry practices Understanding of basic financial principals and processes Audit/Operational Risk and Risk Identification & Assessment Knowledge of federal, state, and local regulatory requirements Strong analytical and Quality Control Assurance skills Ability to multitask and work under pressure to meet strict deadlines High customer service standards and negotiation skills Conflict resolution
Overview
12
12
years of professional experience
Work History
Sr Credit Analyst
Stellantis
Houston, TX
10.2022 - Current
- Reviewed and evaluated loan applications to approve, suspend or decline requests.
- Reviewed and analyzed historical financial performance metrics.
- Documented expected benefits and risks of auto agreements.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
Risk & Compliance Analyst
Caliber
Coppell, TX
05.2020 - 11.2021
- Participated in mitigating current and emerging risk exposures associated with the activities and operations of the assigned business group and identify opportunities for process improvements within the scope of defined business control responsibilities
- Executes control evaluations in an effective manner and completes control evaluations on schedule
- Review and analyze basic business challenges that require research, evaluation, and selection of alternatives, Develop, and implement risk monitoring, risk reporting processes, and controls while evaluating and reporting results where necessary
- Raised scheduled delays to evaluation lead and proactively seeks opportunities to remediate issues
- Escalates any potential control gaps discovered during the completion of control evaluations to an evaluation lead
- Manage the development, implementation, and monitoring of a risk-based program for a business or large functional area with moderate to high risk to identify, assess and mitigate operational risk that arises from inadequate or failed internal
- Provide support in the interpretation of policy, guidelines, and governance programs as front-line to independent Risk Management area.
Credit Analyst
Wells Fargo
Irving, TX
09.2017 - 05.2020
- Analyzed financial data related to loan request, evaluate loan documents for accuracy and completeness, perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other risk factors
- Calculate Income and DTI, Record loan denials and specific basis for declining application, Monitor and report noncompliance with loan, Reports signs of fraudulent activity
- Request additional information/documentation if needed to support sound underwriting decision
- Maintained constant communication with all involved parties via e-mail and phone calls
- Used multiple systems to perform task while meeting crucial deadlines
- Strong knowledge of State specific contracts and loan documents
- Assist with new hire training and floor support as needed
Loan Processor/Funder
Comerica Bank
Dallas, TX
08.2015 - 02.2017
- Audits and prepares quality files that meet closing objectives, met crucial deadlines according to the requirements within the daily metrics, reviewed loan packages for missing and/or incomplete information and follows up with borrowers and Credit Analyst to complete files, process 35-40 auto loans per day
- Expert understanding of most institutions policy for approving loans by continuing knowledge of loan-to-value (LTV) and debt-to-income (DTI) ratios
- While using these supporting documents, personally made correct calculations of these ratios
- Full knowledge of credit, title, appraisal reports and knowledge of state specific contracts and loan documents
- Use multiple systems to perform task
- Assist with escalated issues regarding the funding process or dealer inquiries.
Sr. Collections Specialist II
Santander Consumer Lending
Irving, TX
06.2012 - 10.2014
- Supported the account resolution functional area as an experienced resolution specialist by utilizing advanced knowledge of company products, services, policies, procedures, account resolution systems, and apply this knowledge when communicating with delinquent customers, personally handled complex issues and de-escalated non-routine questions, developed strategies to improve quality of customer experience while working on collecting and negotiating terms of repayment on specialized outstanding account balances
- Outbound calls to customers with delinquency of 30 days up to 5 months
- Negotiated payments starting with past due plus current fees while utilizing available resources to obtain cure plan
- Performance exceeded top 25-50 percent, team members reported any concerns or issues, direct reports to supervisor/management team informing of stats and any issues concerning the team and/or team members production
- Made reasonable procedure exceptions to accommodate unusual customer request
- Provided accurate and appropriate information in response to customer inquires
- Addressed customer service inquires in a timely and accurate manner
- Properly directed inbound calls in phone queues to improve call flow
Education
Associates of Business Administration -
American InterContinental University
01.2019
Skills
- Training & Professional Skills Proficiency
- Bank of America Mortgage Training (2018), SHS Development Group Inc Mortgage Underwriting Training 101 (2018), Knowledgeable in Federal Regulations and Guidelines such as: HAMP, HARP, Privacy Act and FDCPA, Regulation X and Regulation E, TRID, Call monitoring and recording disclaimers
- Independent Audit, Control management and testing
- Auto & Home Lending Servicing
- Proficient in most office suites including Microsoft Word, Excel
Timeline
Sr Credit Analyst
Stellantis
10.2022 - Current
Risk & Compliance Analyst
Caliber
05.2020 - 11.2021
Credit Analyst
Wells Fargo
09.2017 - 05.2020
Loan Processor/Funder
Comerica Bank
08.2015 - 02.2017
Sr. Collections Specialist II
Santander Consumer Lending
06.2012 - 10.2014
Associates of Business Administration -
American InterContinental University
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